, look at bank of hawaii. because you know he's going to make that bank make money. even if he has to throw people out windows he's going to make that bank profitable. >> are you a fan of citi in that regard? >> i'm still waiting for them to tell me what the business model is. getting back to the point about morgan stanley. i think it's got great potential. citi was a good subprime lender and then they chased volume. whenever you chase volume you get in trouble in this business. >> you see any in the financial markets, you see any tumult next week? >> well, when the fed adjusts rates you're going to be looking at some very significant potential losses in the banking industry. not in the health and maturity -- >> not the fiscal cliff? >> no, i'm just talking about interest rates. >> anything happening if we go through? you know it's coming up, monday is new year's eve. >> it will hurt the economy which will hurt banks. but banks have rallied, i think, mostly because of the fed. they have cash flow, they were un